The biggest problem I see from SaaS who target SMBs is they’re not getting enough trials. (You'll need more than you think).
Like everything, it depends. In years 1-5 I think it makes the most sense to have credit card upfront (and even beyond that sometimes). Rob and Mike have a great episode on this: https://www.startupsfortherestofus.com/episodes/episode-179-when-to-ask-your-customers-for-credit-cards …pic.twitter.com/PfC3KfpvoI
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It's all about how your ICPs shop, e.g. How accustomed to paying up font How much trust the brand and the product have How much risk is attached to adopting the product Price Since Bootstrappers rank low on trust, I say don't ask for CC
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Alternatively, work on improving trust
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